Never abandon the house and cut off the supply! 6 measures to deal with the mortgage crisis

Never abandon the house and cut off the supply! 6 measures to deal with the mortgage crisis.

Not long ago, I met a manager of the loan department of a bank and urged his assistant on the phone to say, "This man has not paid his mortgage for three months in a row, and the provided mobile phone number can't get through. Try to find him again." See, it's not easy for people in the bank, even if customers are missing, they are not discouraged, and they try their best to solve it before enlarging the scale. The epidemic situation is repeated, and business is not good. Professor Han Fuling of the School of Finance of the Central University of Finance and Economics once wrote on social media: "At the beginning of 222, the four major banks have sued 2, owners for default."

Consequences of non-supply:

1. Credit information is tainted: within five years, the credit information is pasted.

2. Or be investigated for legal responsibility: once being sued and listed as the person who has lost his trust, our country's laws require this person to report the property to the court voluntarily. If he fails to declare and fulfill the obligations specified in the effective legal documents within the time limit, the court will conduct a comprehensive inquiry, freeze and deduct the property under the name of the person who has been executed in accordance with relevant legal procedures, and impose fines and detention in serious cases.

3. If the house is gone, you will continue to pay back the money: after buying the house, it has not risen much, and the assets are insolvent, that is, if the house is gone, you will continue to pay back the debts.

how to deal with the mortgage default crisis?

1. Financing: This step is arranged before the loan. When buying a house, you should pay attention to the financial attributes of the property. Some people say that I bought it for my own residence, not for investment, as long as I live comfortably. This is only half right. Comfortable living is the first priority, but the investment attribute is also very important. Choose a good plan, including understanding the future development prospects of the location where the subject matter is located. What is the liquidity of specific products (students who bought double certificates walked by)? What is the bank's valuation of your house from the system? Pay attention to these because it is easier for you to pull out of the quagmire in case you are about to lose your supply. When the price goes up, it is possible to solve the drug list. "Good-looking girls are easy to marry", to put it bluntly, it depends on the strength of your house.

2. Cash flow: Do an actuarial job, calculate the income and monthly supply clearly in advance, and do what you can. In practice, we will meet some customers who won't listen to the solution, and wave their hands and say, "Let's auction it, isn't it a little less? I'll admit it if it's hundreds of thousands smaller?" As everyone knows, this "heroic" style, which is not a detailed account, is often the same kind of people who don't carefully plan cash flow. There are many ways to make a mortgage, not only from your income, but also from your own brains. There is also a misunderstanding that many people are very conservative and blindly choose cheap houses because they are worried about the pressure of monthly supply, which is also wrong. Managing cash flow well does not mean lending as little as possible (sometimes on the contrary), which is very important. This loan thing is the honey of arsenic A of B, so it will not be developed.

3. Breathing-out period: This stage means that the supply has been cut off, but the bank is only collecting money and has not yet filed a lawsuit. This is a critical period, which needs to be rationally judged by the building owner. If you are sure that you can't afford the monthly payment and the negotiation with the bank fails, then you'd better choose to sell the house. If the simplified model is used, at this time, the mortgagee's bank and several loans owed are not considered as drug bills, which is relatively easy to solve. You can find a third-party company to help you repay the mortgage and then sell it. If this stage is solved, there will be no subsequent costs, which greatly reduces the loss compared with abandoning the house and cutting off the supply and entering the auction procedure. Some people are obsessed with self-housing, and in reality they are unable to change their careers, so they delay solving it. In fact, it should be understood that nowadays, the house is already a commodity, not a home.

4. Response period: When the response period comes, how can we not talk about the cost? Interest, overdue interest and penalty interest; The court acceptance fee, preservation fee, evaluation fee, appeal fee, execution fee, and delay in performance are all borne by the unsuccessful mortgagor. The lawyer's fee of the bank is generally borne by the supplier in the bank contract, so it is also borne by the supplier. Compared with the response period and breathing period, it can be called a drug list, because the bank is both the mortgagee and the first sealing person (the first sealing person). In addition, the general buyers in the market will have concerns about the handling of such properties and are unwilling to wade into the muddy water. And people who understand that there are business opportunities here are bound to pursue a higher rate of return on capital. Therefore, at this time, the cost of solving the problem has increased regardless of finding a third-party company to underwrite or finding a property buyer. The key words at this stage are to actively respond to the lawsuit, negotiate with the bank and seek solutions involving the third party.

5. auction period: the court stage is over and it has entered the auction period. We often meet people who refuse to cooperate with the court by staying in their rooms or arranging relatives and friends to live in them. The mood is understandable, but it has little effect. It will affect the auction price as well as the auction price. However, for so many years, there are really exceptions. I didn't see two cases, but they were dragged to every cloud has a silver lining during the auction period, because it coincided with the sharp rise of real estate in Shenzhen, so that many were left after the auction. This also confirms the first point we mentioned above, that is, a good house first.

6. Fight again: after the auction, deal with the debts, restore clean credit information, continue to build a nest, buy a house, and fight again.